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|Thu, 04-17-2003 - 4:21pm|
My money status: I've got around $3k in credit card debt, $2k left on a loan, and $12k and rising, in student loans. I finally opened an ING account for general savings, I participate in my employer's 403(b) plan, I'm putting $25 per check into a 529 plan for my DS who will be 3 this summer. The retirement plan is 5% of my paycheck pre-tax, plus a 10% match. The college fund also has a match - once I've put in $600, I'll get a $200 match from the state. I've got a chunk of money currently in my checking account, mostly consisting of a pretty big tax refund. Not quite sure what to do with it yet, I need some car repairs and I'm moving this summer, and I don't know yet how much I'll need for that. I'm cutting back my hours at work to go to school full time, and I haven't quite worked out the budget yet - partly I'm waiting to see how much financial aid I'll get for fall. I want to set up a small automatic deposit to the ING account, but I'm waiting until I see how my work change affects my cash flow.
I'm debating where to put the rest of the money once I've worked out some details. I can put some toward the higher-interest card. That won't affect my monthly minimums much though. I can pay off my car insurance for the rest of the year for a few hundred, and that would free up $60 a month. I have 3 months left on my current apt lease and was also considering paying the rest off now to get it out of the way. Once I get my actual numbers together, any help with number-crunching will be appreciated! I've got a website started (through my profile) and will hopefully be able (if it's not too hard) to put up a spreadsheet once I've made one.
Thanks for reading, and any comments are appreciated! ~Jen